Stanwood Area FCU wants to make it easy for you to borrow. Whatever your needs we probably have a loan for you. Loans are reviewed and disbursed daily.
We make repayment easy. You can have your payments automatically deducted each month from your share account or you can pay through the mail or in person at the Credit Union office.
You may obtain a loan application in the office or apply online.
Member pay Credit Life and Disability Insurance available on all closed end loans.
Stanwood Area FCU offers the following loans for your convenience:
Stanwood Area FCU’s Visa Check Card is the card that works like a check. It can be used anywhere Visa Cards are accepted-at more than 14 million locations worldwide.
Using your Visa Check Card is easy. Just present your Visa Check card at the time of your purchase and the amount is deducted from your checking account. Plus with each purchase you receive a receipt for easy record keeping and a detailed record of every transaction on your monthly checking account statement. You can use your Visa check Card to withdraw cash all over the world at more than 400,000 ATM machines with the Visa logo. So carry your Visa Check Card instead of cash or checks.
Your Visa Check Card is now protected by Verified By Visa — it password protects your card for free when you shop online. The next time you shop at participating online stores, you’ll see some new screens. Enter the information requested to activate your card in order to complete the transaction. It only takes a moment, and then your card will have password protection whenever you shop online.
Shop online with greater security at participating stores listed at verified.visa.com.
Stanwood Area FCU can offer you a Visa Platinum Credit Card.
You can make your VISA payments at the Credit Union Office. Payments received by 3:00 p.m. will be processed the same day. Payments received after 3:00 p.m. will be processed the next business day.
Our Platinum VISA® is designed to offer the lowest possible rate based on your credit. Your interest rates will be the fixed rate we quote you at the time of your card approval. Our fixed rates range between 7.99-15.99%. Simply put…the higher your score, the lower the rate and best of all, as your score improves over time, you may have the opportunity to further reduce your rate as a reward for your good payment history.
Yes! On all new cards, we offer an Introductory Rate as low as 1.99% APR for the first 6 months from date of account opening on all purchases. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances and new purchases.
Yes! We offer a FREE rewards program that offers both name-brand merchandise and travel rewards. Visit our ‘Rewards’ page to learn more.
ScoreCard or ScoreMore refers to our FREE Credit Card Rewards Program offered as a standard feature of our Stanwood Area FCU Platinum VISA® Credit Card. Visit our ‘Rewards’ page to learn more.
Yes! It’s as simple as:
Making payments couldn’t be simpler or more convenient! Make payments:
Yes. The Stanwood Area FCU Platinum VISA® card features service benefits at no extra cost, including:
No. Some financial institutions charge annual credit card fees as high as $30 or more, but not at Stanwood Area FCU. There is NO annual fee whatsoever. All you pay are any interest charges you accrue. That’s it!
Yes. To help you cut your credit card cost even further, your Stanwood Area FCU VISA® features a 25-day interest-free grace period on purchases from statement closing date.
Stanwood Area FCU offers several accounts to invest your savings or IRA savings in.
If you meet the eligibility requirements described above, you can contribute 100 percent of your ($5,500 if you are age 50 or under) and $6,500 for 2017 ($6,500 if you are age 50 or older). Contributions limits are subject to annual cost-of-living adjustments (COLAs).
You can contribute to your IRA until the due date for filing your federal income tax return for the year. For most individuals this date is April 15.
Unlike most other retirement plans, you can always withdraw money from your Traditional IRA. You may be subject to an IRA penalty tax if you withdraw from your IRA before you are age 59 1/2, unless you meet certain penalty tax exceptions. In general, you will pay a 10 percent penalty tax on taxable withdrawals you take before age 59 1/2. The penalty tax does not apply however, if you qualify for one of the following exceptions:
Yes, Once you reach age 70 1/2, the IRS mandates that you take out a minimum amount each year.
The Stanwood Area FCU offers Share Certificates as a means to earn higher dividend rates on your savings. A share Certificate can be opened for as little as $500.00. Our Credit Union offers the following Share Certificates:
A 30 day loss of dividends early withdrawal penalty on certificates 12 Months or less. A 90 day loss of dividends early withdrawal penalty on certificates over 12 months.
For your convenience, we are providing online loan calculators to assist you in your financial planning. Please note, however, that these calculators are made available to you only as self-help tools for your independent use and are not intended to provide any investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes only. We encourage you to seek personalized advice from qualified professionals in regards to all of your personal finance issues.
Direct Deposit is Fast, Free and most of all Safe. When you authorize Direct Deposit of your paycheck or Social Security check, you eliminate the problems caused by stolen, lost or mutilated checks.
Your money will be in your account, whether you are sick, too busy or on vacation. No more standing in line to cash or deposit your check.
Signing up is easy:
Stanwood Area FCU will issue Mid Atlantic Corporate FCU Money Orders to our members during normal business hours. There is a maximum limit of $1,000. The charge per Money Order is $1.00.
Money Orders may be purchased using cash, check or transfer from a Credit Union share or checking account.
The Credit Union offers free Notary service to our members during normal business hours. Please contact the Credit Union, if possible to ensure a Notary is available. An appointment is not required. The Notary is available for personal papers. We do not offer the service for vehicles.